[ghaff]

While I will be the recipient of a decent pension that probably wasn't really on my radar early-ish career, defined benefit private pensions are not really great overall.

They tend to reward long tenures at companies. Even with government sort-of guarantees they have risk of insolvency. And ultimately it's just not your money.

[bb88]

I think the big problem with 401ks though are the lack of decent investment opportunities in them and the lack of any meaningful corporate match.

I also really think that congress should forgo the Roth IRA contribution limits for most people. They're arbitrary and limiting.